The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$88,492
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,245
−HK$2,796/mo
Today · 4.125%
HK$94,041
baseline
▲ 0.50% · 4.625%
HK$99,764
+HK$5,723/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,082/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,447
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,087
−HK$2,678/mo
Today · 4.125%
HK$103,765
baseline
▲ 0.50% · 4.625%
HK$109,235
+HK$5,470/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,530/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,191
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,494
−HK$3,356/mo
Today · 4.125%
HK$112,850
baseline
▲ 0.50% · 4.625%
HK$119,716
+HK$6,866/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,700/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,136
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,304
−HK$3,215/mo
Today · 4.125%
HK$124,519
baseline
▲ 0.50% · 4.625%
HK$131,082
+HK$6,563/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$249,038/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,889
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,743
−HK$3,915/mo
Today · 4.125%
HK$131,658
baseline
▲ 0.50% · 4.625%
HK$139,669
+HK$8,011/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$263,316/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,825
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,522
−HK$3,750/mo
Today · 4.125%
HK$145,272
baseline
▲ 0.50% · 4.625%
HK$152,929
+HK$7,657/mo
Deposit HK$11.64M · loan HK$27.17M · min. income ≈ HK$290,544/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,286
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$164,241
−HK$5,034/mo
Today · 4.125%
HK$169,275
baseline
▲ 0.50% · 4.625%
HK$179,575
+HK$10,300/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$338,550/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,204
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$181,957
−HK$4,821/mo
Today · 4.125%
HK$186,778
baseline
▲ 0.50% · 4.625%
HK$196,623
+HK$9,845/mo
Deposit HK$3.88M · loan HK$34.93M · min. income ≈ HK$373,556/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,649,341 · Scale 2, in force from 26 Feb 2026)